 If I have bad rental history and my girl doesn't, can we still get an apt together? |
| She has good credit history and rental history and I don't. I would like to know if there is a way we could still be able to get a place without having any problems. please ... |
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 Do you always have to put a 10% down payment on a house? |
| My fiance and i would rather buy then rent....we are just worried about the large downpayment. Is this always necessary?... |
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 I want to save for a down payment on a house, but I pay $1300 for rent. Any suggestions on how I can save $? |
| I want to save up to $20,000 in the next two years and it would be possible if I didn't have to rent. My credit is getting repaired, its not bad, but its not great. I bring home just about $2500... |
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 Help with my landlord and what my rights as a tenant is? |
| i lived in this house for 1 year now, and am moving out this month, this landlord is horrible, he doesn't fix anything, he won't listen to my complaints, there is mold in the basement and ... |
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| I got a fixed 5 year fixed mortgage with northern rock, due to unforeseen circumstances i now have to put the house on the market, im only 5 months into the mortgage term which means a hefty penalty, ... |
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 If I use a realtor to see my house, can I be there when they are showing the house? |
| Then I could point out additional good things about the house or neighborhood. Or is this something I forfeit by hiring a realtor?... |
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| I need to get a court order to evict a tenant thats not paying rent. He won't leave on his own and owes us 2 months of rent. Is it going to be difficult if we just had a verbal agreement and ... |
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| Can a landlord charge an insufficient (30 day) notice fee, when landlord rents apt immediately and is out $0.? |
| It is my understanding that a landlord can only charge for damages and lost rent as a result of breaking a lease. I paid for April rent (april 1-30), got new job in new city and had to break lease. ... |
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 Realtor Fees? |
| We are thinking of buying our first home in the next year, and I am curious what the average cost of realtor fees are for the buyer in the Midwest US? Thanks!... |
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 No Homeless People on Earth? |
EARTH
The fifth-largest planet of the solar system and the third in order of position from the sun. It is an oblate spheroid, being slightly flattened at the poles. Satellite observations ... |
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 Anyone have any advice on selling our house FSBO? |
| I know that is not the ideal way to sell - we've always used a realtor in the past, but if we do this time we'd lose money which we can't afford. Selling so I can stay home with baby ... |
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 Repost: About how much would it cost me to have someone build this house? |
I asked this question last night but didn't get any responses. Perhaps you Real Estate section folks are morning people? ;) I've also added a couple of questions to the end.
S... |
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 My Granddad is a pensioner who is looking for a house to rent. Is he part of dss? |
| My Granddad is a pensioner who is looking for a house to rent. The government would pay him the amount needed directly to his bank account. i want to know whether he is Dss or not. Because someone ... |
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 What Can be Done if Many Townhome Owners Refuse to Pay Maintenance? |
| My neighborhood of 78 townhouses has about 32 people that haven't been paying maintenance for over 2 years. They pay the bank for the home but they don't pay for the maintenance costs so ... |
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 Really outdated bathroom in the apartment I rent? |
I live in freaking NYC - I don't like it. Rent is 1,250 for a two bedroom one bathroom.
The bathroom is stuck in the 70's and is gross. The floors are tiny white tiles and the wall ... |
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 Can I legally hand over an apartment to the landlord through the mail? |
| I moved out of the apartment a couple days ago. I finished cleaning the apartment and taking the last of my belongings. I've tried handing over the keys and the apartment in person several ... |
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 Is it possible to be both a Travel and Real Estate Agent? PLEASE ANSWER (10 points for most thorough answer)? |
| I want to be a Realtor bad! But the pay isn't so good necessarily. I want to be a Travel Agent on the side until I can "make a name"for myself in the Real Estate business. I would ... |
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 Can my landlord charge security deposits exceeding 150% of the rent amount? |
| I'm moving to Arizona and the lease indicates that before I move in I have to give them certified funds that cover Security Cleaning Pro-rated June July rent and last months rent. On the ... |
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Marta | I sold a house on 8/31/2007. I didn't pay the mortgage that month. How would this affect my credit? |
The bank sent a note of one unpaid monthly payment to the credit bureau. How would this affect my credit? |
 |
 
Peggy H
 |
Chances are it won't affect your credit at all because you were not more than 30 days late. Since your lender gave payoff figures to the title company, they were aware that you were selling or refinancing. Lenders only report to the credit agencies when your payment has been a full 30 days late.
The only way to be sure is to run your credit in a month or so to see what your lender reported. I doubt there would be a 30 day late reporting for August. |
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Maribel
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if you didn't make the payment for 08/07 while the house was still under your name, if will definately affect your credit. you need to call the mortgage company and make the payment because I dont' think the buyers paid for it, it wasn't their house yet. So make the payment and write to the credit bureaus to explain to them why you didn't make the payment. good luck. |
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Lanna
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The title company that closed the loan wouldn't close the loan unless all the payments were made...I'm sure they took this out of your proceeds. Sometimes the mortgage companies will report this late payment situation and sometimes they won't. One late payment on your credit isn't going to ruin you...unless you have had other late payments other than that one in which case you score is hiding downward. |
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mary h
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i did the same thing-5 years ago and its still on my credit report now as somethin like 7 days late. it didnt really lower my credit at all because along with the late last payment they also stated that the loan was paid in full early.
it seemed to affect my credit score for a couple of months afterwards but by about 6 months it seemed to disappear. |
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Chuck92121
 |
The title company did not have time to get the payment to the lender before you were a full 30 days late. The loan is paid in full and the late payment was probably included in the payoff.
So you will show a 30 day late on your credit for 08/07. If you are looking at buying another house, a 30 day late in the last 12 or 24 months can make a difference to some lenders. However, you should be able to find a lender that allows 1x30 days and still get a new mortgage. |
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robert p
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check with the credit bureau. |
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silviya
 |
The webguide http://mortgagehelp.assistancecenter.info
has highly useful info on mortgage and home financing.
You can get all your doubts clarified from the site.
Check it out. Good luck! |
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Keep On Trucking
 |
if they sent the note to the credit bureau it is on your record and will not be a positive thing |
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Expert Realtor
|
Yes, most likely you will get a 30-day "hit". It takes a minimum of 72 hours for a payoff to post, and that would have been fully explained in the payoff agreement.
Since you closed on the last day of the month, on Sept 1, your payment was 30-days late, so the bank reported you correctly.
You DO NOT owe the mortgage company anymore money, and the above posters that have suggested that evidently don't understand how a closing is conducted.
The attorney's office gets a VERBAL confirmation of the payoff the day of the closing, and if that differs from the original, they modify it, PLUS most attorney's send extra money of up to 14 days per-diem. So about 30 days post closing, you may be receiving a check from the mortgage company for any difference, to the penny.
Attorney's, don't make mistakes like that b/c it voids the title insurance. |
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